It is generally legal to drive a car if your name is not listed on the insurance policy, as long as you have the owner's permission to drive the vehicle. However, there are some exceptions to this rule. For example, if someone lives at your house full time or frequently drives your vehicle, they may need to be listed on your policy in order to drive the car.
It is important to note that even if you are allowed to drive a car without being listed on the insurance policy, you may not be fully protected in the event of an accident. The owner's insurance policy will typically be the primary payer for damages caused by the vehicle, but if the cost of damages exceeds the coverage limits, your own insurance may need to serve as secondary coverage. If you do not have your own insurance policy, you may be personally responsible for paying any remaining expenses. Therefore, it is generally a good idea to have your own insurance coverage, even if you are not the primary driver of a particular vehicle.